El Ipuli yebhanki Idla ngokuba lixesha eliqhelekileyo ukuva okanye ukufunda kwicandelo lezoqoqosho. Kuyindalo ukuba, njengoko ungaqhelananga nezoqoqosho, njengezinye iingcali kwicandelo, kufuneka ucacise ukuba eli gama lithetha ntoni kuba linokudideka kwaye lilifa lemveli lenkcubeko elibanzi lingafuneka ukufumana ukusebenza ngokuchanekileyo kunye nenkcazo yoKwenza ingcinga kweli xesha, apha siza kucacisa lo mbono ukuze uye ekhaya, nabahlobo bakho beshishini, nosapho lwakho kwaye ungaze uphinde ucinge ukuba i-Banking Pool inento yokwenza neebhiliyoni.
Ixesha Ipuli yebhanki idla ngokunxulumene ne "Inkxaso-mali yangaphandle yenkampani", Esi sesinye sezihloko ezaziwa ngabantu abambalwa malunga nokuba zeziphi iintsomi ezininzi kunye neerambling ezenziwayo ezingacacisi ukuba zithetha ntoni kanye kanye. Maninzi amagama oqoqosho anentsingiselo entsonkothileyo, oku kuya kufuneka kufundwe nzulu ukuba into oyifunayo kukuqonda uqoqosho njengento esisiseko eyenzeka kubomi bemihla ngemihla kodwa bambalwa abantu abaziyo. Ngaphambi kokuba uqwalasele ukuya kumxholo, kuya kufuneka uchaze igama.
Iphuli yebhanki, inkcazo yayo.
Kuya kufuneka uqaphele ukuba yintoni a iphuli yebhanki, igama elibhekisa emva kwemini yokudlala ibhiliyadi kwaye ayongezi ubuzaza kwisenzo. bucala ngasekhohlo Ingxelo eyenziwa yinkampani, kule ngxelo ibonisa zonke iintlobo zemali ezifumana kubantu besithathu. Ikwabizwa ngokuba "yinkxaso mali yomntu wesithathu", luhlobo loncedo olungadibaniyo notyalo-mali okanye inzuzo yenkampani.
El ichibi lokugcina imali yingxelo eneenkcukacha zomngcipheko kwimisebenzi yebhankiNokuba iikhredithi, imisebenzi yezemali, iikhredithi, iziqinisekiso, njl., Zonke zigcinwa ngumbutho osemthethweni, ngexesha elithile, kwiibhanki elisebenza kuzo eli ziko lisemthethweni.
Kwisicelo ngasinye semali mboleko, umgaqo-nkqubo wekhredithi okanye enye imveliso yezemali, ecelwe liziko leshishini, ibhanki ifuna uthotho lwamaxwebhu ukuhlalutya ubunyani benkampani.
Iziko lebhanki alwenzi nje kuphela isicelo solwazi lobalo (ingxelo yengeniso, ibhalansi) okanye ulwazi ngezemali (Ezo rhafu zinikezelwe mva nje, phakathi kwazo yiRhafu yeNkampani, iVAT, iRhafu yeNgeniso yobuqu, njl.), Ukongeza kuloo nto ifuna idama lokugcina imali esele lichaziwe.
Ngaphakathi kwengxelo, iziko leshishini kufuneka lichaze iimveliso ezithile zemali elizenzileyo, igama lebhanki nganye, imihla yokuphelelwa kwayo yonke imveliso ekuvunyelwene ngayo kunye nemida enikiweyo kwimveliso nganye yezemali. Kuyacetyiswa ukuba uncamathisele kule ngxelo, iirisithi zamva nje kuyo nganye kwezi mveliso zichazwe ngentla, unokongeza isatifikethi samatyala angekahlawulwa kwibhanki nganye.
Ukuba akucaci, nanku umzekelo olula:
I-SME inokuba nequla lokubhankisha apho inika iinkcukacha ukuba kwibhanki enye inelayini yesaphulelo, ngelixa enye ibhanki (yesibini ibhanki yahlukile kweyokuqala), ineakhawunti yekhredithi kunye nomsebenzi wokuqeshisa kunye nomntu wesithathu.
Ukongeza kule nkcukacha yamatyala, iziko lezemali liqokelela idatha kwiziko lomngcipheko weBhanki yaseSpain (i-CIRBE). Xa sele sikuthethile oku, sinokuqinisekisa ukuba ichibi lokugcina imali kunye neCIRBE zihlala zihambelana, oku akwenzeki rhoqo.
Inyani efanelekileyo ekufuneka ithathelwe ingqalelo kukuba amaziko emali akufuneki abhengeze iikhredithi zesixa esingaphantsi kwama-6 amawaka euros, ngenxa yesi sizathu sinye i-CIRBE isenokungabhengezi mngcipheko ungaphantsi kwesi sixa. Sesona sizathu siphambili kunye nokubaluleka kwedama lokugcina imali ebhankini, ukuba ube nolwazi ngeqondo lokuzinziswa kwenkampani.
Yintoni iCIRBE?
I-CIRBEIsichazi sayo kwiSpanish: Ulwazi oluBanzi lweBhanki eNkulu yeBhanki yaseSpain (I-CIRBE), yindawo yogcino-zincwadi kawonkewonke, nangona kunjalo iyimfihlo, iqokelela umngcipheko amaziko emboleko kunye nabathengi bawo, nokuba ngaba ziqinisekiso, iikhredithi, imali eseleyo yemali mboleko, njl. (Khumbula ukuba oku kuhlala kuyimilinganiselo evela kwi-6.000 euro).
Ukuba imeko ye-accounting ibonakalisa ngokuthembekileyo iziko leshishini, ukuqonda ngale nto ukuba amatyala amaziko ezemali abhaliswe ngokuchanekileyo, iZiko loLwazi loNgcaciso loMngcipheko weBhanki yaseSpain kunye nedama lokugcina imali elikhutshwe kubalo Inkampani kufuneka ihambelane.
Ngaba kunokwenzeka ukuba ibhanki icele ulwazi kwiCIRBE kwinkampani?
Ukusukela ngo-2002 impendulo yoku yile ewe unako. Njengoko yenziwe esidlangalaleni yiBhanki yaseSpain, ukugunyaziswa okucacileyo komthengi akusafuneki. Kodwa iziko lezemali kufuneka lenze ingxelo ebhaliweyo esesikweni yokuba linelungelo lokwenza njalo, oku ngqo kumthengi.
IBhanki yaseSpain kunye nephuli yebhanki.
Umzimba olawulayo we Icandelo lezemali eSpain yiBhanki yaseSpain, umsebenzi wayo wenziwa ngokudibeneyo neBhanki eNkulu yaseYurophu kwiNdlela eYodwa yokuPhatha. Eli ziko liphumeza kwaye lichaze umgaqo-nkqubo wezemali we-euro zone, liqhuba ukukhutshwa kwemali engamaphepha ngokungqinelana nezikhokelo zeBhunga eliLawulayo le-ECB, ukongeza kulawulo loovimba bamanye amazwe kunye neentsimbi ezixabisekileyo zaseSpain, oku kunye Phakathi kweminye imisebenzi. Ezinye zezibophelelo zayo kukulawula kunye nokuqokelela ulwazi ngokubhekisele kwiikhredithi, iziqinisekiso, iimali mboleko kunye neminye imingcipheko enokuthi yenziwe yimibutho yezemali. Le datha ilawulwa yinkonzo eyaziwa njengeZiko loLwazi loMngcipheko okanye i-CIR (ngaphandle kweSpain), okanye ekubhekiswa kuyo kumaxesha amaninzi njengeBhanki yaseSpain yeZiko loLwazi ngomngcipheko.
Iinjongo ezingundoqo ze-CIRBE zezi zimbini:
- Nikezela ngedatha eyimfuneko kumaqumrhu ukuze abonelele ngomngcipheko, kulapho ke idlala indima yenqanawa yebhanki.
- Isebenza njengesixhobo solawulo kwicandelo lebhanki, ngenxa yesi sizathu izalisekisa umsebenzi wayo ngaphakathi kwemisebenzi yeBhanki yaseSpain.
Iibhanki zibubhengeza njani ubungozi bazo?
Imibutho yabasebenzi yenyanga nenyanga, iibhanki zokonga, iibhanki, iziko elisemthethweni lokuthenga ngetyala okanye i-ICO, amaziko ezemali aseSpain kumaziko angaphandle kunye nawo onke amaziko emboleko anikezela lonke ulwazi olufunekayo.
Kubalulekile ukuba uqaphele ukuba, kolu luhlu sele lukhankanyiwe, eminye yemingcipheko ayifakwanga kwaye ezinye iimveliso kunye neemali mboleko zingaphandle okanye azisebenzi kwesi sibophelelo.
Imingcipheko ethe ngqo nengathanga ngqo.
Nje ukuba idatha ifunyenwe, ezi zahlulwe zaba iindidi ezimbini:
- Umngcipheko ngqo. Oku kunxulumene nokusayina okanye ukubolekwa kwemali kunye nokuqeshisa. Ukhuseleko lwengeniso oluzinzileyo, nokwaziwa ngokuba “kukukhusela amatyala”, ngaphandle kwamatyala oluntu, eminye imizekelo yale mibini zezi: iibhondi okanye izibophelelo zikanondyebo woluntu, amatyala, njl.njl.
- Umngcipheko ongathanga ngqo. Zezo zihambelana nezo ziqinisekisa abanye abathengi abanemali mboleko abanikiweyo.
Abo banakho ukufikelela kwidatha ebhaliswe egameni labo bonke bangabantu bendalo okanye abasemthethweni. Oku kwenziwa ngeOfisi eyiyo yeBhanki yaseSpain, ukwenza oko kufanelekile ukuba ube ne-DNI ye-elektroniki okanye isatifikethi sedigital esikhutshwe yiNational Currency kunye neStamp Factory. Ukufikelela ngokwakho akunakwenzeka, kuba kufuneka kuphela kwiiofisi zeCentral Risk Information Centre kwikomkhulu leBhanki yaseSpain, idilesi yayo yile: Calle Alcalá, 48, Madrid. Kwaye njengokhetho lokugqibela, isicelo singenziwa ngeleta ngolu lwazi lulandelayo kumthumeli:
- IBhanki yaseSpain
- Ulwazi lwezeMali kunye noMngcipheko oPhakathi
- C / Alcala, 48
- 28014
Lonke ulwazi lunokucelwa ngumnini, kuba umnini kufuneka atyikitye uxwebhu lwezikhalazo ahambise nefotokopi ye-DNI, ipaspoti okanye i-NIE. Kwimeko apho umnini anqwenela ukunikezela ngelungelo lakhe, kuya kufuneka kuhlangatyezwane nale miqathango ilandelayo: Nika i-NIE, i-DNI okanye ipaspoti yommeli kunye noxwebhu loluntu olungqina ukuba umthunywa angayisebenzisa le ndima.
Zithini iinkcukacha eziyimfuneko zokugcwalisa itafile yebhanki yebhanki?
Ukubaluleka kunye nokugqithisa ekubeni nayo yonke idatha e-odolwe kwaye iyimfuneko ngokuchanekileyo ukukhusela izigqibo eziphosakeleyo okanye ezingafunekiyo ayinasiseko. Le yidatha esisiseko yokugqibezela itafile yebhanki yebhanki:
- Igama leziko apho inkampani ingene khona kumngcipheko.
- Uhlobo lomngcipheko ekubhekiswa kuwo, nokuba yikhredithi, ukungqinisisa, ukubambisa, ukuvumela, njl.
- Inani lokuqala lomngcipheko osasebenza.
- Ixabiso elilindileyo lomngcipheko, liqondwe njengelinako ukuhlawulwa.
- Umhla wokuqala kwemveliso.
- Umhla wokuphelelwa kwemveliso.
- Iiwaranti ezidibeneyo okanye ezinxulumene nemveliso.
Ukuququmbela; bobabini abantu kunye neenkampani zixhomekeke kwinkxaso mali yebhanki kwaye amaziko abuza ukuba yonke into ime ngendlela, akubalulekanga kakhulu kubo ukuba umthengi ekuthethwa ngaye naye uxhaswe ngemali ngabo bakhuphisana nabo. Ingcamango egxile ngokunzulu kwimicimbi yezemali, oko kuthetha ukuba phakathi kwamashishini aliqela, ewe, kodwa ingekho ngaphandle kwebhanki.